Peran E-Money Dalam Meningkatkan Efisiensi Keuangan Pesantren Al-Amien Prenduan Madura Perspektif Ekonomi Syariah

Siti Nurun Nadhifah; Andriani; Irma  Niawati; Elsa Syahrika  Salmaria; Fawallia  ‘Ansyarril  ‘Alamiah

doi:10.33367/at-tamwil.v7i2.7312

Authors

Siti Nurun Nadhifah Universitas Islam Negeri Syekh Wasil Kediri
Andriani Universitas Islam Negeri Syekh Wasil Kediri
Irma Niawati Universitas Islam Negeri Syekh Wasil Kediri
Elsa Syahrika Salmaria Universitas Islam Negeri Syekh Wasil Kediri
Fawallia ‘Ansyarril ‘Alamiah Universitas Islam Negeri Syekh Wasil Kediri

DOI:

https://doi.org/10.33367/at-tamwil.v7i2.7312

Keywords:

E-Money , Financial Efficiency, Islamic Economics

Abstract

Purpose – This study aims to analyze the role of the e-money system in improving the efficiency and transparency of financial management at the Al-Amien Prenduan Islamic Boarding School, and to examine its suitability with the principles of Islamic economics.

Design/Methods/Approach – This study uses a qualitative approach with a descriptive method. Data were obtained through in-depth interviews, participant observation, and documentation related to the digital financial system of the Islamic boarding school.

Findings – The main findings show that the implementation of e-money significantly simplifies financial transactions, reduces the risk of recording errors, speeds up services, and improves the security and supervision of funds. From a sharia economic perspective, the e-money system used is free from elements of riba (usury), gharar (uncertainty), and maysir (gambling), thereby supporting halal, educational, and productive transactions.

Research Implications/Limitations – This study is limited to one Islamic boarding school location with subjective qualitative methods, and the cross-sectional research time limits the ability to generalize the findings and understand long-term developments comprehensively, so the results are less generalizable.

Originality/Value – The implementation of e-money at Al-Amien Islamic Boarding School supports the efficiency and transparency of Islamic finance. However, sustainable development requires system improvement, innovation, and more intensive Islamic financial education. This finding is a model for the digitalization of Islamic boarding school finances that is used as a reference for other Islamic educational institutions in strengthening Islamic financial inclusion practically and adaptively.

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